The Pension Confident Podcast

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this special bonus episode of The Pension Confident Podcast, we're diving deeper into the topic of market volatility. Episode 39 explored President Trump's tariffs and the impact on pension balances and in this episode, we're going to be answering some popular questions that came in off the back of that - with some helpful explainers from our expert guests.   Join our host, Philippa Lamb as she shares helpful explainers from our expert guests from the following episodes: E32: How to understand your pension balance with Tim Hogg, Faith Archer and Alex Langley E29: Pensions vs. cash - which is best? With Holly Mackay and Martin Parzonka E34: Unpacking 10 years of pension changes with Damien Fahy, Sam Brodbeck and Romi Savova   Episode breakdown: 01:20 What is a pension balance? 02:36 Why do pension balances go up and down? 03:42 How to deal with anxious feelings during market volatility  04:49 How are pensions invested and what is diversification? 06:13 How can volatile stock markets be an investment opportunity? 07:02 How often should you check your pension balance? 07:56 What's happened after previous market downturns?   Further reading and listening: To learn more about finances and pensions, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E39: Trump, tariffs and what it all means for your pension (Podcast) Understanding market volatility and how it can impact your pension (Blog) Why are financial markets volatile these days? (Blog) Pensions and tariffs: what you need to know (Blog) How young savers can turn market volatility into an investment opportunity (Blog) How to diversify your pension investments (Blog) How to understand your pension balance (Blog) How does financial planning change over the course of life? (Blog) Pension investments (Pensions Explained) How are pensions invested? (Pensions Explained) What is a pension statement? (Pensions Explained)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Global stock markets have been on a bit of a rollercoaster lately, thanks to a flurry of announcements from President Trump and his administration around spending cuts and trade tariffs. The uncertainty about what might come next has left investors worldwide feeling uneasy. And when investors get jittery, markets tend to get volatile. So what does stock market volatility actually mean for you and your savings?   Join our host, Philippa Lamb, and our expert panel as they break it all down. Emma Maslin, Financial Coach, Financial Wellness Speaker and Founder of The Money Whisperer. Lucy Evans, Personal Finance Reporter, Daily Mail  Clare Reilly, Chief Engagement Officer, PensionBee   Episode Breakdown: 03:26 History of market volatility 07:43 What's happening with Trump and tariffs 11:20 What happens next? 12:18 How might the UK government respond? 13:12 What does this mean for pensions? 15:56 The impact of age and lifestage 17:36 Other investments and emergency funds  22:15 Pension contributions and tax relief 23:16 Where to find guidance   Further reading, listening and watching: To learn more about stock market volatility, check out these articles, podcasts and videos from PensionBee: Episode 39 transcript Understanding market volatility and how it can impact your pension (Blog) Why are financial markets volatile these days? (Blog) Pensions and tariffs: what you need to know (Blog) How young savers can turn market volatility into an investment opportunity (Blog) How to diversify your pension investments (Blog) Company spotlight - how does Meta's performance affect my pension? (Blog) Company spotlight - how does Microsoft's performance affect my pension? (Blog) Company spotlight - how does Amazon's performance affect my pension? (Blog) Company spotlight - how does Apple's performance affect my pension? (Blog) Company spotlight - how does NVIDIA's performance affect my pension? (Blog) Six ways to put together your emergency fund (Blog) How does financial planning change over the course of life? (Blog) Pension investments (Pensions Explained) Pensions and tax relief (Pensions Explained) How are pensions invested? (Pensions Explained) What is a Stocks & Shares ISA? (Pensions Explained)   Other useful resources: 2023 United States banking crisis (Wikipedia) How geopolitical events impact the stock market (Bankrate) Investors hold their nerve as market volatility rises (The Daily Brit) Half of investors admit to making impulsive, emotional decisions, and many go on to regret it (CMS Wealth) Research on retail Buyers' emotional quotient with focus on transactions on the National Stock Exchange (Sage Journals) 66% of Investors Regret Impulsive or Emotional Investing Decisions (Magnify Money) Are women better investors than men? (Unbiased) Why Women Are Better (Investors) Than Men (Forbes) Pension Wise (Money Helper) Financial Conduct Authority (FCA)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Emma Maslin (@moneywhisperer_) on Instagram, LinkedIn, Facebook and X. Follow Lucy Evans (This is money) on LinkedIn and X.  

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Since the COVID-19 pandemic, around four million Brits have changed careers. With artificial intelligence (AI) posing potential risks to many jobs, it's estimated that an additional 285,000 people might need to make a career switch by 2030.   Changing careers is undoubtedly a significant step, especially if you've dedicated years to one industry. So, where can you find the tools to help you make the leap? And importantly, how can you keep your finances on track?   Join our host, Philippa Lamb, and our expert panel as they share practical strategies, personal experiences and insights on navigating an evolving job market. Founder of Talented Ladies Club, Hannah Martin; Co-Founder of Startup School for Seniors, Suzanne Noble; and Senior Software Engineer at PensionBee, Anindya Bhattacharyya.   Episode Breakdown: 01:35 What would your instant career swap be? 02:25 Transferable skills and portfolio careers 04:17 The end of the 40-year career 06:15 Most common age for making a career switch 07:43 Pitching yourself as an older employee 09:46 Retraining for a new role 13:29 Can you afford to switch careers? 16:12 Financial checklist before making the leap 18:15 Finding possible funding opportunities 19:50 Available support for getting started 22:14 Are your passions a good guide? 24:40 Tips for how to switch careers   Further reading, listening and watching: To learn more about how to shift careers, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E31: How can I improve my credit score? (Podcast) E28: The Bank of Mum and Dad - what's the impact on your pension? (Podcast) E25: How to earn more money (Podcast) E24: How to start a business (Podcast) Creating a portfolio income in your retirement years (Blog) What is a pension? (Pensions Explained) What is a workplace pension? (Pensions Explained) 5 tips for starting a new job (Blog) 8 easy steps to build an effective budget (Blog)   Other useful resources: Careers information, advice and guidance (National Careers Service) Critical skills that support your professional development (Udemy) Distance learning courses (The Open University) Doddery but dear? Examining age-related stereotypes (Centre for Ageing Better) ‘Feel the Fear and Do It Anyway' (Susan Jeffers) Find a qualified pension adviser (Unbiased) Find your new career tool (PensionBee) Flexible and hybrid working practices in 2023 Report (CIPD) Learn job-ready skills with a Google Career Certificate (Google) Prepare for certification exams in IT, cybersecurity, and more (Coursera) Professional and Career Development Loans (GOV.UK) State of Ageing in 2020 (Centre for Ageing Better) The Carer's Pension Gap Report (PensionBee)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Talented Ladies Club (@TalentedLadies) on YouTube, Instagram, LinkedIn, Facebook and X. Follow Startup School for Seniors (@startupschoolforseniors) on TikTok, YouTube, Instagram, LinkedIn and Facebook.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this special bonus episode of The Pension Confident Podcast, we cover some of the key changes from the new 2025/26 tax year and what they could mean for you and your finances. Tune in as our host, Philippa Lamb and Financial Journalist and Founder of Much More With Less, Faith Archer, cover the various changes made, including: the National Living Wage; frozen income tax bands; Statutory Sick Pay; and the State Pension.   Episode Breakdown: 01:09 The start of a new tax year 04:03 Increased pay for employees and costs for employers 06:20 Frozen income tax and personal tax-free allowance thresholds 07:55 The State Pension and Winter Fuel Payment 11:18 Changes to Statutory Sick Pay, alongside overhaul of benefits systems 12:38 Increased Statutory Parental Pay and free nursery hours   Further reading, listening and watching: To learn more about the new tax year and your personal allowances, check out these articles, podcasts and videos from PensionBee: E18: How to not run out of money in retirement (Podcast) E11: How to prepare for a happy retirement (Podcast) Adoption leave and adoption pay (Article) Am I ready for a baby? (Article) Average childcare costs (Article) Help with childcare costs (Article) Maternity leave and maternity pay (Article) Paternity leave and paternity pay (Article) Pension credit (Article) Shared parental leave and pay (Article) What disability benefits can I claim? (Article) What does the Autumn Budget 2024 mean for your pension? (Blog) What is the State Pension? (Article)   Other useful resources: A budget hitting employers and the well off (Much More With Less) Adoption leave and adoption pay (GOV.UK) Inflation Calculator (PensionBee) Maternity leave and maternity pay (GOV.UK) Paternity leave and paternity pay (GOV.UK) Shared parental leave and pay (GOV.UK) Statutory Sick Pay (SSP) (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Faith Archer (@MuchMoreWith Less) on LinkedIn, Facebook and X.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Recent research from PensionBee reveals that financial disengagement might cost savers up to £500,000 over their lifetime - that's a substantial amount! When was the last time you reviewed your savings? Are you aware of how much you've saved for retirement? Making small, informed decisions today can greatly impact your financial future. The great news is that staying engaged with your finances isn't difficult.   Join our host, Philippa Lamb, and our expert panel as they explore a simple truth: the most effective way to max out your chances of retiring comfortably. Behavioural Expert and Co-Founder of Shaping Wealth, Neil Bage; Financial Adviser, Money Columnist and Author, Bola Sol; and Head of Consumer PR at PensionBee, Laura Dunn-Sims.   Episode Breakdown: 01:31 Common financial pitfalls 03:52 Visualising our ‘future selves' 06:08 Overcoming complacency with pensions 06:42 The £500,000 ‘cost of disengagement' 08:00 How can we make the numbers feel real? 10:20 Transitioning from an ‘immediate return' to ‘delayed return' environment 13:16 How to retire with more money 17:23 Automate your way to compound interest 20:02 Understanding investment risk 23:30 Balancing greed and fear 26:27 How to make (and keep) good habits   Further reading, listening and watching: To learn more about the cost of disengagement, check out these articles, podcasts and videos from PensionBee: E37 transcript (Blog) Bonus: How to stick to your financial resolutions (Podcast) Do you know what pension plan you're in? (Blog) E32: How to understand your pension balance (Podcast) E34: Unpacking 10 years of pension changes (Podcast) How much do you need to pay into a pension? (Video) How much income do you need in retirement? (Blog) How much should you save for retirement? (Video) How to catch up on pension payments (Blog) How to check your pension contributions (Article) How to trace a lost pension (Article) How to understand your pension balance (Blog) Pension Calculator (Calculator) Top 10 money apps for your smartphone (Blog) What income would a £100,000 pension pot give you? (Blog) What is compound interest? (Blog)   Other useful resources: 56% of UK adults feel like they don't understand the stock market (YouGov Survey) Almost 9 million UK adults are missing an old pension pot (PensionBee) Brits missing £31.1b in unclaimed pension pots (Pensions and Lifetime Savings Association) Government's free Pension Tracing Service (Gov.uk) How the 'end of history' illusion shapes your life choices (BBC) Over half of Brits are in the dark or ‘dangerously underestimating' the minimum cost of retirement (PensionBee) Pension disengagement could cost you up to £500,000 in retirement (PensionBee) Pot for life significantly more popular than stapling for managing multiple pots (PensionBee) Your Future Self: How to Make Tomorrow Better Today by Hal Hershfield (Book)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Shaping Wealth (@shapingwealth) on YouTube, Instagram, LinkedIn and X. Follow Bola Sol (@bolasol) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   With the end of the tax year fast approaching, we're talking pensions, ISAs and tax. From tax relief to ISA limits, we've gathered some top tips and insights from our guests to help you get your finances in order.    Join our host, Philippa Lamb and our expert guests to hear the best bits from the following episodes: E32: How to understand your pension balance with Tim Hogg, Faith Archer and Alex Langley E29: Pensions vs. cash - which is best? With Holly Mackay and Martin Parzonka E17: Should you save into a pension or an ISA? With Claer Barrett, Damien Fahy, Peter Komolafe and Becky O'Connor   Episode breakdown: 00:30 Tax relief - what it is and how it works 01:30 ISAs - another way to save 03:27 Lifetime ISAs 04:54 Using ISAs and pensions together 06:53 ISA rules   Further reading, listening and watching: To learn more about finances and pensions, check out these articles, podcasts and videos from PensionBee: Episode transcript  Guide to Lifetime ISAs and pensions Pension pot or cash savings - which is best? How much income do you need in retirement? How much can I pay into a pension each year? Making pension contributions The UK Pension Landscape Your guide to savings funds How to diversify your pension investments E11: How to prepare for a happy retirement (Podcast) How are pensions invested? How can I find my pensions? How to look after your financial wellbeing in 2024 How to understand your pension balance Understanding market volatility and how it can impact your pension Pension Calculator   Other useful resources:  How ISAs work (gov.uk) Cash ISAs (Money Helper) Stocks and Shares ISAs (Money Helper) Junior ISAs (gov.uk) Peter Komolafe: Three ISA mistakes everyone is making (YouTube) Cash ISA rules and allowances (Which) Should I have a savings account or pension? (MoneySuperMarket)     Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. Have you ever wondered if your pension is funding climate change? We all know about the damage greenhouse gases do to the world. According to Make My Money Matter, by greening our pensions, we could cut our carbon footprint 21 times more than by going veggie, or giving up flying or switching energy providers. However, sustainable investing has been met with some scepticism over the years, so in this episode we're going to dig into the detail.  Join our host, Philippa Lamb, and our expert panel as they help you make confident choices about your own pension: Qualified Financial Adviser and Founder of Mr.MoneyJar, Rotimi Merriman-Johnson; CEO of the Finance Innovation Lab, Jesse Griffiths; and PensionBee's Senior ESG Manager, Giorgia Antonacci.   Episode Breakdown: 01:42 The link between pensions and climate change 04:18 The fossil fuel industry 05:36 Does investing sustainably mean lower returns? 09:13 The rising cost of living 11:22 Can individuals make a difference? 15:52 What makes a sustainable pension fund? 17:21 Greenwashing, labelling and timescales 22:28 What action can pension savers take? 23:42 Influencing change 27:39 Final thoughts   Further reading, listening and watching: To learn more about finances, pensions and divorce, check out these articles, podcasts and videos from PensionBee: E36 transcript  Under the hood of the Climate Plan The Climate Plan PensionBee's Climate Plan (Video) ESG investing and its impact on pensions  Sustainable investing - how to make a positive impact with your pension How we can use our pensions to drive positive change whilst saving for retirement E1: Making a positive impact with your pension - with Clare Reilly, and Damien Fahy (Podcast) Three reasons to think about where your pension's invested Championing our customers' views How is the FCA cracking down on greenwashing? 5 sustainable investing myths debunked Your Fossil Fuel Free Plan switch questions, answered   Other useful resources: ShareAction Make My Money Matter Financial Conduct Authority Carbon Tracker Financial Stability Board The Institute of Actuaries Government Green Taxonomy Morgan Stanley Capital international (MSCI) Morgan Stanley Institute for Sustainable Investing MSCI's ESG rating scale India's wheat output dented by heatwave, could limit government stock building (Reuters)  FCA labelling scheme Institute of Actuaries study Accelerating to net zero (CBI) Morgan Stanley Sustainable Reality Report Revealed: oil sector's ‘staggering' $3bn-a-day profits for last 50 years (Guardian) Pension funds should protect our future, not destroy it (Greenpeace) Maslow's Hierarchy of Needs   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Rotimi Merriman-Johnson, Mr MoneyJar on YouTube, Instagram, LinkedIn and X. Follow Finance Innovation Lab on LinkedIn, Facebook and X.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Have you been making progress with your new year's resolutions? If sorting out your finances was top of that list, we're here to help you along. We've been digging into some of our best-loved episodes for nuggets of financial wisdom. Listen as our guests share insights on some of the most common financial resolutions and how you can stick to them.    Join our host, Philippa Lamb and our expert guests as they discuss tracking down pensions, getting started with investing and asking for a payrise. Tune in to hear the best bits from the following episodes: E32: How to understand your pension balance with Tim Hogg, Faith Archer and Alex Langley E27: The cost of friendship with Dr. Tara Quinn, Niaz Azad and Brooke Day E21: Why don't women invest? With Ayesha Ofori, Anna-Sophie Hartvigsen and Lara Oyesanya FRSA E23: Common financial mistakes and how to avoid them with Lynn Beattie, Ola Majekodunmi and Jasper Martens E25: How to earn more money with Natalie Campbell MBE, Lynn Anderson Clark and Priyal Kanabar   Episode breakdown: 00:28 Tracking down old pensions 02:55 Balancing spending and socialising  05:33 The art of saying ‘no' 07:37 Getting started with investing  10:06 Prioritising saving over sales  12:42 How to ask for a pay rise   Further reading, listening and watching: To learn more about finances and pensions, check out these articles, podcasts and videos from PensionBee: Episode transcript  Why aren't women investing?  Why closing the gender investing gap matters for impact investing Can financial education platforms help close the gender financial literacy gap? How important is financial independence? How can we improve financial health amongst women? Building your financial resilience Episode 3: How do we tackle the gender pension gap? (Podcast) How to check your pension contributions Rethinking your pension savings during the cost of living crisis Six ways to start talking about money Five steps to plotting your personal finance roadmap Bonus episode: Relationships and money (Podcast) How to talk about money Six ways to manage your money and your mental health Six ways to start talking about money What is the impact of debt on mental health? E29: Pensions vs. cash - which is best? (Podcast) E26: Are you ready for your 100-year life? (Podcast) E18: How to not run out of money in retirement (Podcast) E11: How to prepare for a happy retirement (Podcast) How are pensions invested? How can I find my pensions? How to look after your financial wellbeing in 2024 How to understand your pension balance   Other useful resources: Propelle Female Invest The history of women and money (GoHenry) Equal Pay Act 1970 (GOV.UK) Girls get less pocket money than boys (Netmums) Girls just wanna have funds (Female Invest book) Is the wealth gap ruining friendships? (Guardian) A third of people are owed money by friends and family (Starling) Why the “f*ck it” mentality is harming friendships (Refinery29) Splitwise How do I find lost pensions? (Gretel) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association) What is the fresh start effect? (The Behavioral Scientist)     Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.  

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Every January, lawyers see a spike in inquiries about divorce. It's such a big spike the first Monday of January is known in the profession as Divorce Day. If you've been through it, you'll know that one of the hardest parts of divorce is having to take lots of financial decisions at what can be a really overwhelming time. But understanding all your options can make those decisions easier and better.   Join our host, Philippa Lamb, and our expert panel as they help you build your post-divorce life on the best possible financial foundation.    Author and Founder of Mrs Mummypenny, Lynn Beattie; Co-Founder at The Divorce Surgery, Harry Gates; and PensionBee's Head of First Line Compliance, Lydia Hunt.   Episode Breakdown: 01:32 The fundamentals of divorce 07:57 Is it worth getting a prenup? 09:55 Divorce and pensions 11:22 What's included in negotiations? 13:36 Pension splitting 15:34 What happens to assets from before the marriage? 18:05 Are liabilities included in divorce negotiations? 21:03 Children and divorce 21:49 Can a divorce agreement be amended? 23:41 Thinking long term when negotiating 26:40 Life after divorce *In this episode we reference a report by The University of Manchester, where we say 80% of pension wealth is held by men, but the correct figure is actually 90%. *Where we refer to the fee to apply for a divorce, we say both £583 and £593. The correct figure is £593.   Further reading and listening: To learn more about finances, pensions and divorce, check out these articles, podcasts and videos from PensionBee: E35 transcript E3: The gender pension gap - with Emilie Bellet, Romi Savova and Sam Brodbeck (Podcast)  E14: What's the impact of your relationship status on your finances? With Ellie Austin-Williams, Paul Infield and Becky O'Connor (Podcast)  E28: The bank of mum and dad - what's the impact on your pension? With Mark Bogard, Rotimi Merriman-Johnson and Becky O'Connor (Podcast) Don't divorce your right to a decent pension Separation and divorce  Pension Sharing Order  Pension Attachment Orders and Earmarking How are finances split in a divorce? How long after a divorce can you claim a pension? What is the pension gap between men and women? Do I need to change my pension after I get divorced? The UK Pension Landscape What happens to my pension during a divorce? (Video)   Other useful resources: File for divorce (GOV.UK) New divorce laws from April 2022 (GOV.UK) Pre-nuptial agreements (House of Commons Library) Form E guidance (GOV.UK) Child Maintenance Service (GOV.UK) Divorce Day: Two thirds of divorces don't discuss pensions as part of settlement (Interactive Investor) Pension inequality a major issue when couples divorce, research finds (University of Manchester)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Lynn Beattie, Mrs Moneypenny on YouTube, Instagram, Facebook and X. Follow The Divorce Surgery on YouTube, Instagram, LinkedIn and Facebook.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Happy New Year from all of us at The Pension Confident Podcast. We're back with a  great lineup of topics and expert guest plans for our fourth series. Our mission is simple: to build up your pension and personal finance confidence. How do we do that? Simple. By asking and answering the questions that matter to you. Maybe you want to know how much you'll need to save to retire early, or if your hard-earned pension contributions are actually funding climate change. Maybe it's hidden risks, like lifestyle creep, you want to get your head around or how your personal relationships might be impacting your finances. The series is packed with insights and tips from a huge range of pensions and money experts. Plus we'll be sharing bonus content with you right throughout the year too - including special budget breakdowns. The first episode of 2025 will be live at the end of this month, and with new beginnings in mind, it's all about keeping the cost of divorce as low as possible and making sure your finances are in good shape when you start over afterwards.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Over the past decade, British pensions have undergone significant transformations. With the introduction of Auto-Enrolment, advances in technology, and more flexible regulations, it's become easier for individuals to plan and manage their retirement savings.   As the new government took office, the Chancellor introduced yet more changes to pensions in the Autumn Budget. So, what can we expect moving forward?   Join our host, Philippa Lamb, and our expert panel as they look back at the biggest pension changes over the past decade and how you can plan for a happy retirement in an everchanging world. Founder and Editor of Money to the Masses, Damien Fahy; Money Advice Editor at The Telegraph, Sam Brodbeck; and PensionBee's Founder and CEO, Romi Savova.   Episode Breakdown: 01:01 PensionBee's origin story 03:30 Billions of pounds lost in missing pensions 05:25 Why do people disengage? 08:28 The revolving door of pensions changes 10:04 The big pension changes that have shaped the past decade 12:00 Introduction of Auto-Enrolment 14:41 Pension Freedoms reforms 16:33 Where your money is, exactly 20:20 Understanding market ups and downs 22:52 How do UK pensions compare internationally?   Further reading and listening: To learn more about changes in the pensions industry, check out these articles and podcasts from PensionBee: Episode transcript What does the Autumn Budget 2024 mean for your pension? (Podcast) E26: Are you ready for your 100-year life? (Podcast) E18: How to not run out of money in retirement (Podcast) E12: Financial jargon, what does it all mean? (Podcast) E11: How to prepare for a happy retirement (Podcast) Preparing for retirement checklist Understanding market volatility and how it can impact your pension What does the Autumn Budget 2024 mean for your pension? What is Auto-Enrolment? What is a defined benefit pension? What is a defined contribution pension?   Other useful resources: How do I find lost pensions? (Gretel) Life expectancy calculator (Office for National Statistics) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association) Trillions: How a Band of Wall Street Renegades Invented the Index Fund and Changed Finance Forever by Robin Wigglesworth (Book)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Money to the Masses (@moneytothemasses) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Times Money Mentor (@timesmoneymentor) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode of The Pension Confident Podcast, we bring you part one of our myth-busting series on common financial mistakes and how to avoid them! Tune in to hear the best bits from episodes 19, 23, 27, 29 and 31. Our host, Philippa Lamb, and our expert guests cover everything from why people become reliant on credit cards to how credit scores actually work. We hear from: Founder of All Things Money, Ola Majekodunmi; PensionBee's Head of Brand and Communications, Brooke Day; Co-Founder of Millennial Money UK, Niaz Azad; Mumsnet CEO, Justine Roberts CBE; Founder and CEO of Boring Money, Holly Mackay; PensionBee's VP Product, Martin Parzonka; and Consumer Affairs Manager at Experian, John Webb.   Episode Breakdown:  00:35 The pressure of borrowing for education 02:06 Keeping up with the Joneses 03:57 The astronomical cost of childcare 05:25 High charges that come with debt 06:39 What does a ‘credit score' mean? 09:30 The risk of ‘financial association'   Further reading and listening: To learn more about avoiding financial mistakes with borrowing money and credit scores, check out these articles and podcasts from PensionBee: Episode transcript E19: Can you afford to have kids? (Podcast) E23: Common financial mistakes and how to avoid them (Podcast) E27: What's the cost of friendship? (Podcast) E29: Pensions vs. cash - which is best? (Podcast) E31: How can I improve my credit score? (Podcast) How can I improve my credit score? How do you pay off a credit card? How important is financial independence? Is it better to pay off your student loan or top up your pension? Should you pay off your child's student loan? The effects of debt and how we can break the cycle What is the impact of debt on mental health?   Other useful resources: Credit score basics: everything you need to know (Experian) Get free debt advice (StepChange) Help with debt (Citizens Advice) How to check your credit report for free (Money Saving Expert) Student grants, bursaries and scholarships (Save The Student)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Ola (@allthingsmoney_) on X, Instagram, TikTok, Facebook and LinkedIn. Follow Millennial Money UK (@MillMoneyUK) on X, Instagram, Facebook and LinkedIn. Follow @Mumsnet on X, Instagram, Facebook, TikTok and LinkedIn. Follow Boring Money (@boringmoney) on X, Instagram, TikTok, Facebook and LinkedIn. Follow Experian (@Experian_UK) on X, YouTube, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   This month on The Pension Confident Podcast we're shining a light on an important topic - financial abuse. It's a part of economic abuse, a legally recognised form of domestic abuse and it can happen to anyone. Join our host, Philippa Lamb, and our expert panel as they discuss what to do if you or someone you know is being financially abused, how to spot the signs and what support is available.   Research and Policy Officer at Hourglass; and PensionBee's VP of Second Line Compliance, Jaypee Soule.   Episode breakdown: 01:00 What is financial abuse and who does it impact? 06:59 The underreporting of financial abuse 09:22 What are the effects of financial abuse? 11:28 Who is committing financial abuse? 14:06 How do financial services protect against financial abuse? 16:48 How to keep yourself and your funds safe from financial abuse 18:53 What are the signs of financial abuse to look out for? 20:40 How are financial abuse cases recorded? 21:38 What support is available for victims of financial abuse? 24:04 The importance of financial awareness 26:13 Understanding powers of attorney   Further reading: To learn more about some of the themes discussed, check out these articles and podcasts from PensionBee: E10: What are the effects of debt and what can you do if you find yourself in it? (Podcast) E7: How to stay safe from fraud and financial scams (Podcast) Bonus episode: How to avoid financial scams (Podcast) 8-step guide to help you stay safe online Power of attorney Anti-Scams Legislation   Other useful resources:  Keeping you and your loved ones safe from economic abuse. (Hourglass) How to identify financial abuse in a relationship (Very Well Mind) Financial abuse: spotting the signs and leaving safely (Money Helper) Hourglass. Safer ageing. Stopping abuse. Financial abuse: what is it? (Age UK) Economic abuse (Refuge) Surviving Economic Abuse Women's Aid One Love Foundation Office of the Public Guardian   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Hourglass on X, Facebook and LinkedIn. Follow Danny Tatlow on LinkedIn.    

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this special bonus episode of The Pension Confident Podcast, we cover some of the key announcements in the government's Autumn Budget and what they could mean for you and your finances. Tune in as our host, Philippa Lamb and PensionBee's Spokesperson, Annabelle Williams, cover the changes made to: employer National Insurance contributions; Inheritance Tax; capital gains tax; and Stamp Duty. Episode Breakdown: 01:33 Initial thoughts on the Autumn Budget 02:42 Employers National Insurance contributions 04:23 Inheritance Tax and pensions 09:07 Changes to capital gains tax 11:06 Stamp Duty 12:33 Impact on working people 13:15 What are ‘stealth taxes'?     Further reading and listening: To learn more about financial scams and protecting yourself and your money, check out these articles and podcasts from PensionBee: Episode transcript What does the Autumn Budget 2024 mean for your pension? What does the first UK female Chancellor mean for my pension savings? Inheritance Tax guide What's a workplace pension? Pension death benefits Defined contribution pensions How pensions can cut your tax bill Pension tax relief Should I pay into a pension or an ISA? What is Auto-Enrolment? Why has renting got so expensive? E17: Should you save into a pension or an ISA? (Podcast) E22: Why is renting so expensive? (Podcast) E32: How to understand your pension balance (Podcast)   Other useful resources: Autumn Budget 2024 (HM Treasury) How Inheritance Tax works (gov.uk) National Insurance rates and categories (gov.uk) Stealth Taxes: What are they, how they work (Investopedia) National Minimum Wage and National Living Wage rates (gov.uk) Stamp Duty Land Tax (gov.uk) Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Annabelle Williams on LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   With our busy lives, it's easy to overlook those annual statements from your pension provider. But knowing how much you have saved is essential for planning a comfortable retirement.   This month on The Pension Confident Podcast we're talking about how to understand your pension balance. Join our host, Philippa Lamb, and our expert panel as they break down everything from making sense of those annual statements to hunting down lost pension pots. Behavioural Economist and Director at Fairer Finance, Tim Hogg; Financial Journalist and Founder of Much More With Less, Faith Archer; and PensionBee's Senior Team Leader, Alex Langley.   Episode Breakdown: 01:03 What is a pension balance? 02:50 How to check how much you have in your pension? 04:40 What happens if you've lost your pensions? 06:44 Avoiding pension procrastination 10:20 How can you check if you're on track for retirement? 13:40 The ‘fresh start' effect 16:40 The Retirement Living Standards 20:31 Overcoming ‘present focus' 22:12 How can you improve your pension balance? 26:35 Saving for a longer life   Further reading: To learn more about where you could put your savings, check out these articles and podcasts from PensionBee: Episode 32 transcript E29: Pensions vs. cash - which is best? E26: Are you ready for your 100-year life? E18: How to not run out of money in retirement E11: How to prepare for a happy retirement How are pensions invested? How can I find my pensions? How to diversify your pension investments How to look after your financial wellbeing in 2024 Understanding market volatility and how it can impact your pension What is a defined benefit pension? What is a defined contribution pension? What is a pension statement? When will my pension balance recover?   Other useful resources: How do I find lost pensions? (Gretel) Inflation Calculator (PensionBee) Life expectancy calculator (Office for National Statistics) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) Temporal focus: Thinking about the past, present, and future (Science Direct) The Retirement Living Standards (Pensions and Lifetime Savings Association) What is the fresh start effect? (The Behavioral Scientist)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Fairer Finance (@fairerfinance) on Instagram, LinkedIn, Facebook and X. Follow Faith Archer (@MuchMoreWith Less) on LinkedIn, Facebook and X.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode of The Pension Confident Podcast, we're revisiting an important topic - financial scams. According to research by UK Finance, £1.17 billion was stolen through fraud in 2023. So what are the red flags we all need to watch for when it comes to our finances? Tune in to hear the best bits from episode seven, as our host, Philippa Lamb and our expert guests shared their top tips to avoid financial scams and what to do if you think you've been a victim. We hear from: Former Chief Executive of The Pensions Advisory Service and Independent Non-Executive Director at PensionBee, Michelle Cracknell CBE; Former Head of Security and Counter Fraud at Open Banking, Lisa Markey; and PensionBee's CTO, Jonathan Lister Parsons. Episode Breakdown: 01:37 Personal stories from the guests 03:38 The different types of financial scams 05:29 Scams and vulnerable people 06:35 Pension scams 11:15 How to spot the signs of financial fraud 12:44 What to do if you think you might be a victim   Further reading and listening: To learn more about financial scams and protecting yourself and your money, check out these articles and podcasts from PensionBee: Episode transcript  E7: of The Pension Confident Podcast: How to stay safe from fraud and financial scams (Podcast) How to spot a pension scam 4 pension scams to watch out for What is pension liberation? Early pension release rules   Other useful resources: Scams Awareness Campaign (Citizens Advice) Annual Fraud Report 2024 (UK Finance) 'Scam Man and Robbin' game The Money and Pensions Service Financial Conduct Authority (FCA) Types of pension scams (FCA) Protect yourself from scams (FCA) Reporting fraud and cyber crime (Action Fraud)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Michelle and Lisa on LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Most people have heard of the term ‘credit score' but often that's as far as it goes. What is your credit score, how is it calculated and why does it even matter?    This month on The Pension Confident Podcast we're talking about the dark-art of how to improve your credit score. Join our host, Philippa Lamb, and our expert panel as they discuss the ins and outs of our financial history and the impact it can have on our financial future.  Consumer Affairs Manager at Experian, John Webb;  Author, Columnist and Content Creator, Clare Seal; and PensionBee's VP Data, Luis Mejia.   Episode Breakdown: 01:08 What is a credit score and why does it matter? 05:28 Credit score jargon explained 11:13 How is a credit score calculated? 16:28 How do I know if my credit score is good or bad? 19:36 Spotting and correcting errors in your credit report 20:38 Understanding your credit score 22:05 How to improve your credit score 26:37 Busting credit score myths   Further reading: To learn more about some of the themes discussed, check out these articles and podcasts from PensionBee: E10: What are the effects of debt and what can you do if you find yourself in it? (Podcast) E15: How can we achieve financial inclusion? (Podcast) E23: Common financial mistakes and how to avoid them (Podcast) Retirement planning in your 20s The importance of financial inclusion What to do with inheritance money Can a guarantor be retired? How to talk about money   Other useful resources: What is a credit score? How is it calculated and what affects it? (Loqbox) Why credit scores matter in retirement (Expedia) Getting to grips with your credit report and score (TransUnion) Credit report errors can ruin your credit score - are your records correct? (Which?) Getting your credit score from a bank (Investopedia)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Clare Seal (@clare.seal) on Instagram, LinkedIn and X. Follow John Webb on LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode of The Pension Confident Podcast, we return with part two of our financial crash course for parents. If you haven't heard part one yet don't worry, you can go back and find it on our feed. Tune in to hear the best bits from episodes eight and 23, as our host, Philippa Lamb and our expert guests cover everything from pocket money economics to talking to your children about how debt works. We hear from: Certified Money Coach, Mentor, and Founder of The Money Whisperer, Emma Maslin; Personal Finance Journalist, Laura Miller; Co-Founder and CEO of NatWest Rooster Money, Will Carmichael; and Personal Finance Expert and Founder of Mrs MummyPenny, Lynn Beattie.   Episode Breakdown: 01:03 Understanding compound interest 02:22 Pocket money economics 04:05 Teaching kids about debt 05:29 Juggling a family and finances 06:39 Differentiating between rich and wealthy 08:24 How kids can teach us about money   Further reading and listening: To learn more about personal finance tips for new parents, check out these articles and podcasts from PensionBee: Episode transcript 5 steps to plotting your personal finance roadmap E8 of The Pension Confident Podcast: How to teach kids about money (Podcast) E14 of The Pension Confident Podcast: What's the impact of your relationship status on your finances? (Podcast) E19 of The Pension Confident Podcast: Can you afford to have kids? (Podcast) How to teach kids about money Money saving tips for families Should I teach my children about money? Teaching kids about money: How can we improve financial literacy among children? What is compound interest? What is compound interest? - Pensions 101 (Video)   Other useful resources: Child Benefit (Gov.uk) How do you tell kids you cannot afford something? (StepChange) How much pocket money should I give? (Rooster Money) How to teach kids about money (MoneyHelper) Mumsnet (Mumsnet) New apps are teaching children how to manage their money (The Economist) Tax-Free Childcare (Gov.uk)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Emma Maslin (@MoneyWhisperer_) on X, Threads, Instagram, Facebook and LinkedIn. Follow Laura Miller (@thatlaurawrites) on X and LinkedIn. Follow NatWest Rooster Money (@rooster_money) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Lynn Beattie (@MrsMummypennyUK) on YouTube, Instagram, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode of The Pension Confident Podcast, we're sharing the best bits from one of our live events - the PensionBee Roadshow. In our Manchester edition, our expert guests shared tips for how you can start preparing for a happy retirement. Tune in to hear from: Financial Journalist and Founder of Much More With Less, Faith Archer; Financial Expert,  Author and Host of The Conversation of Money, Peter Komolafe; Personal Finance Expert and Founder of Pennies to Pounds, Kia Commodore; Personal Finance Expert and Founder of Mr MoneyJar, Timi Merriman-Johnson; and CMO at PensionBee, Jasper Martens.   Episode breakdown: 00:50 Visualising your retirement savings 01:26 Workplace pensions and Auto-Enrolment 02:42 How to stick to your savings goals 03:40 Three ways to boost your pension savings 04:44 Balancing rising costs and saving for your future 05:41 Learning about investments and pensions 06:59 Understanding where your pension is invested 08:02 Pension Wise 08:24 What is pension drawdown? 09:15 Leaving your pension to loved ones   Further reading, watching and listening: How to plan for a happy retirement (YouTube) How to set a good retirement goal (YouTube) What happens at a Pension Wise appointment? (YouTube) Different ways to access your pension pot (YouTube) E18 of The Pension Confident Podcast: How to not run out of money in retirement (Podcast) E11 of The Pension Confident Podcast: How to prepare for a happy retirement (Podcast) E5 of The Pension Confident Podcast: What can we do to cope with the cost of living crisis? (Podcast) How much income do you need in retirement? How much money do you need to retire in the UK? Preparing for retirement checklist What income would a £100,000 pension pot give you? What is Auto-Enrolment? What makes a happy retirement? Pension decumulation Retirement planning in your 20s  Retirement planning in your 30s  Retirement planning in your 40s  Retirement planning in your 50s  Pension rules after death Pension beneficiaries   Other useful resources: Pension Drawdown Calculator (PensionBee) Pension Calculator (PensionBee) Pension Wise (MoneyHelper) Pension Quality Mark - PQM (Pensions and Lifetime Savings Association) Retirement Living Standards (Pensions and Lifetime Savings Association)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. The Pension Confident Podcast is taking a short summer holiday this August, but don't worry - we've got some bonus content coming while you wait for the rest of Series Three! The next bonus episode will be a fantastic conversation from the PensionBee Roadshow last year, all about how you can save for a happier retirement. Plus, look out for part two of our personal finance tips for parents. In the meantime, you can go back and listen to all our episodes so far wherever you get your podcasts. We've covered so much already from the Bank of Mum and Dad and the real cost of your friendships, to saving to live to age 100 and how to earn more money. Don't forget to subscribe to your favourite podcast app so you never miss an episode. Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.  

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   For many people diligently building their nest egg, the question of money's link to happiness is a natural one. After all, financial security can reduce a significant source of stress. But can simply having more money guarantee a life filled with joy?   This month on The Pension Confident Podcast we're talking about the age-old question: can money buy happiness? Join our host, Philippa Lamb, and our expert panel as they discuss the relationship between money and happiness. Author and Co-Founder of The Humble Penny and The Financial Joy Academy, Ken Okoroafor;  Occupational Psychologist and chartered member of the British Psychological Society, Kim Stephenson; and  PensionBee's Head of Culture, Inclusion and Wellbeing, Emily Tribe.   Episode Breakdown: 01:23 At different ages, different things matter 04:10 Does money equal happiness? 06:30 The source of money changes the equation 10:10 Understanding your appetite for risk 13:57 Maslow's hierarchy of needs 16:20 Avoiding lifestyle creep and finding joy 19:10 The marshmallow test 23:13 How can you boost your happiness   Further reading: To learn more about where you could put your savings, check out these articles and podcasts from PensionBee: Episode 30 transcript 4 reasons why sorting your pension is important for your health Can money buy happiness? E11: How to prepare for a happy retirement E18: How to not run out of money in retirement E25: How to earn more money How much money do you need to retire in the UK? Is it time to find your new career? Making happiness a habit Preparing for retirement checklist Work doesn't have to end at retirement - the over-60s make happy entrepreneurs   Other useful resources: 10 Ways Life Is a Marshmallow Test (Psychology Today) Being richer than your peers can make you happier (Financial Accountant) Does money buy happiness, according to science? (Clearer Thinking) Financial Joy by Ken & Mary Okoroafor (Book) Maslow's Hierarchy Of Needs (Simply Psychology) Pension Calculator (PensionBee) Seligman's PERMA+ Model Explained: A Theory of Wellbeing (Positive Psychology) What Is Loss Aversion? (Psychology Today)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Humble Penny (@TheHumblePenny) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X. Follow Kim Stephenson (@kimpstephenson) on LinkedIn and X.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode of The Pension Confident Podcast, we have tips for new parents: from the benefits you could be eligible for, to the impact parenthood could have on your pension. Tune in to hear the best bits from episodes three and 19, as our host, Philippa Lamb and our expert panels discuss nesting, building emergency funds as a new parent and more. We hear from: CEO of Mumsnet, Justine Roberts CBE; Founder of Vestpod, Emilie Bellet; Money Advice Editor at The Telegraph, Sam Brodbeck; Senior Digital Editor at Money Week, Kalpana Fitzpatrick; PensionBee's CTO, Jonathan Lister Parsons; and PensionBee's CEO, Romi Savova.   Episode Breakdown: 00:37 The reality of Shared Parental Leave 02:22 Statutory rights for adoption 03:13 How to budget for a new baby 04:44 Anticipating early costs and childcare expenses 06:23 Exploring Tax-Free Childcare Allowance and Child Benefit 08:05 Parenthood and the Gender Pension Gap 09:31 Starting a conversation, before starting a family   Further reading and listening: To learn more about personal finance tips for new parents, check out these articles and podcasts from PensionBee: Episode transcript E19: Can you afford to have kids? With Justine Roberts CBE, Kalpana Fitzpatrick and Jonathan Lister Parsons E3: How do we tackle the gender pension gap? With Sam Brodbeck, Emilie Bellet and Romi Savova Pensionbee's research on fair sharing of childcare PensionBee Parental Leave Policy What I learned about mothers and their pensions from answering Mumsnet questions Why parents need to make a Child Benefit claim to protect their State Pension   Other useful resources: Mumsnet Statutory Maternity Pay and Leave (Gov.uk) Statutory Paternity Pay and Leave (Gov.uk) Statutory Adoption Pay and Leave (Gov.uk) Disability Living Allowance for children (Gov.uk) Tax-Free Childcare (Gov.uk) Child Benefit (Gov.uk) Boosting paternity leave has economic benefits (Pregnant Then Screwed) Average childcare costs (MoneyHelper) Transparency on parental pay (ABI)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Mumsnet (@Mumsnet) on X, Instagram, Facebook, TikTok and LinkedIn. Follow Vestpod (@VestPod) on X, Instagram, TikTok, Facebook and LinkedIn. Follow Kalpana (@KalpanaFitzpatrick) on X, LinkedIn, Instagram and TikTok. Follow Sam (@sambrodbeck) on X and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Since the start of 2022, the Bank of England has raised the base interest rate 13 times. So it's no surprise that savers are reconsidering where to put their money. Cash savings are easily accessible but may lose value due to inflation. Meanwhile, pensions offer potential long-term growth but lock away funds until retirement. This month on The Pension Confident Podcast we're talking about the pros and cons of pensions and cash - how can you make the most of both? Join our host, Philippa Lamb, and our expert panel as they discuss building an emergency fund, making the most of your cash savings and saving for retirement. Founder and CEO of Boring Money, Holly Mackay; and PensionBee's VP Product, Martin Parzonka.   Episode Breakdown: 01:36 How does inflation eat away at our money? 02:52 Shopping around for the best rate 07:44 Building an emergency fund 10:51 State benefits that are impacted by savings 11:57 What are the rules on cash savings? 16:39 Small steps to save for your future 18:26 Are pensions ‘hot'? 22:36 The case for personal pension saving   Further reading: To learn more about where you could put your savings, check out these articles and podcasts from PensionBee: Episode 29 transcript 5 lessons my cashflow catastrophe taught me 5 ways to protect your pension income against inflation How to diversify your pension investments Pension pot or cash savings - which is best? Should I pay my bonus into my pension? What income would a £100,000 pension pot give you? Will taking my pension affect my benefits? Your guide to Lifetime ISAs (LISAs) and pensions   Other useful resources: Emergency savings – how much is enough? (MoneyHelper) How does inflation affect pensions? (PensionBee) Should I have a savings account or pension? (MoneySuperMarket) What to do when interest rates rise (PensionBee) With cash earning 5%, why risk money on the stock market? (Schroders) Women's lack of confidence widens gender investment gap (Financial Times)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Boring Money (@boringmoney) on X, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com Listen to part four of our personal finance tips and hear from our expert guests as they discuss switching current accounts, sharing parental leave and why you should be talking about money with your loved ones. Listen to parts one, two and three.  In this bonus episode, you'll hear helpful tips from: PensionBee's CMO; Jasper Martens; Founder of financial literacy platform, All Things Money; Ola Majekodunmi; Personal Finance Expert and Founder of Mrs MummyPenny; Lynn Beattie; Founder and CEO of Propelle; Ayesha Ofori; Independent Non-Executive Director for PensionBee; Lara Oyesanya FRSA; PensionBee's CTO; Jonathan Lister Parsons; and Founder and CEO of Vestpod; Emilie Bellet.   Episode Breakdown:  00:25 The benefits of switching current accounts 02:03 Saving vs. investing your money 04:24 Investment accounts and fees 05:58 Parental leave and pensions 07:31 Separating personal and business finances 09:14 Talking about money with loved ones.   Read the transcript.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   For many young people, the only way to afford university or to get a foot on the property ladder is with financial support from family members. According to a report by The Institute for Fiscal Studies (IFS), almost a third of young people receive at least one transfer during their 20s and early 30s - most commonly from a parent.   This month on The Pension Confident Podcast we're discussing the hot topic of ‘the Bank of Mum and Dad'. Join our host, Philippa Lamb, and our expert panel as they discuss how to talk about money with family, setting healthy boundaries, and strategies for safeguarding your financial future. CEO of The Family Building Society; Mark Bogard; Personal Finance Expert and Founder of Mr MoneyJar; Timi Merriman-Johnson; and PensionBee's Director (VP) Public Affairs; Becky O'Connor.   Episode Breakdown: 01:46 The Bank of Mum and Dad in practice. 05:10 Planning for predictable financial support. 08:13 Helping financially while your child's studying. 10:43 Funding your child's big adult milestones. 14:14 Implications of dipping into your savings. 17:31 Ongoing bankrolling and protecting your financial security. 20:35 Treating children equally or equitably? 22:55 Making sure you're on the same page. 24:51 A living versus willed inheritance.   Further reading: To learn more about financial relationships with family, check out these articles and podcasts from PensionBee: Episode 28 transcript 5 tips for parents paying for university 7 of the best ways of giving money to grandchildren E8: How to teach kids about money - with Laura Miller, Will Carmichael and Emma Maslin How the Bank of Mum and Dad can boost an adult child's pension by over £300,000 How to teach kids about money Inheritance Tax guide Pension decumulation aka planning how to spend my pension savings Should I teach my children about money? Writing a will Your guide to Lifetime ISAs (LISAs) and pensions   Other useful resources: Boomerang Children: Meaning, Impact, Around the World (Investopedia) How important is the Bank of Mum and Dad? (The Institute for Fiscal Studies) How Inheritance Tax works (Gov.uk) How to run the Bank of Mum and Dad…The Definitive Guide (Family Building Society) Joint Borrower Sole Proprietor mortgages (Family Building Society) More adults living with their parents (Office for National Statistics) Retirement Living Standards (Pensions and Lifetime Savings Association) The bank of Grandma and Grandad (SAGA) The Carer's Pension Gap (PensionBee) Who gives wealth transfers to whom and when? Patterns in the giving and receiving of lifetime gifts and loans (The Institute for Fiscal Studies)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow the Family Building Society (@FamilyBSoc) on X, Facebook and LinkedIn. Follow Timi (@mrmoneyjar) on X, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   It's Mental Health Awareness Week so in this bonus episode of The Pension Confident Podcast, we're revisiting a really important topic - how to manage your money and your mental health. Tune in to hear the best bits from episode nine and hear from Philippa Lamb and our expert panel as they discuss how to talk about money, mental health and more. We hear from: Chief Communications Officer at the Financial Services Compensation Scheme (FSCS); Lila Pleban, Founder and Managing Director of Psychreg; Dennis Relojo-Howell, and PensionBee's COO and Mental Health First Aider; Tess Nicholson.    Episode Breakdown:  01:10 Personal experiences from the guests 04:12 Financial support from the FSCS 05:20 Early warnings signs of money and mental health struggles 06:45 How are money and mental health linked? 07:44 Money worries in retirement 09:26 How to manage money worries 10:25 Where to turn for financial support 11:39 Tips for keeping on top of your finances 12:32 Tips for managing your mental health 13:20 How to talk about money worries.   *If you're struggling right now and need to talk to someone, call SAMARITANS on 116 123 - they are open 24 hours a day, 365 days a year. You can also text the word ‘SHOUT' to 85258 and speak to a volunteer, anonymously.  If you're concerned for the immediate safety of yourself or someone else, then always call 999. For non-emergencies, call 111, or speak to your GP who can refer you to your local NHS Mental Health Trust. Further reading: To learn more about money and mental health, check out these articles and podcasts from PensionBee: Six ways to manage your money and your mental health What is the impact of debt on mental health? Introducing our Mental Health First Aiders Recovering mental health and recovering finances Mental health in retirement E9: How to reduce the risk of money worries affecting your mental health (transcript) E9: How to reduce the risk of money worries affecting your mental health (episode) How PensionBee is supporting our vulnerable customers   Other useful resources: The Money and Pensions Service (MAPS) Citizens Advice Service Money Saving Expert National Debtline Money and Mental Health Policy Institute Shelter Mind Turn2us Mental health articles (Royal College of Psychiatrists) Royal College of Psychiatrists   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow the Financial Services Compensation Scheme (@FSCS) on Facebook, X, Instagram and LinkedIn. Follow Dennis Relojo-Howell (@Psychreg) on X, Instagram, Facebook, LinkedIn and YouTube.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   We all know friendship is priceless, but navigating social circles where some people are a lot better off than others may be a minefield. According to Intuit, Gen Z would rather discuss sex, politics and infertility struggles than their salaries, debt, and bad investments.   So how can you maintain strong friendships while  navigating different bank balances and spending habits? This month on The Pension Confident Podcast we're looking at the costs associated with friendship. Join our host, Philippa Lamb, and our expert panel as they discuss how to talk about money with friends, overcoming envy and more: Psychologist and Associate Fellow of The British Psychological Society, Dr. Tara Quinn-Cirillo; Co-Founder of Millennial Money UK, Niaz Azad; and Head of Brand and Communications at PensionBee, Brooke Day.   Episode Breakdown:  01:29 How to discuss money fairly 06:10 Navigating a financial divide 11:20 How friendship expenses can snowball 16:28 Overcoming envy 18:58 As you and your friends get older 22:31 When life throws you curveballs 25:38 Lending money to friends 27:57 Knowing when to let go.   Further reading: To learn more about the cost of friendship, check out these articles from PensionBee: Episode 27 transcript The cost of friendship Bonus episode: Relationships and money How to talk about money Six ways to manage your money and your mental health Six ways to start talking about money What is the impact of debt on mental health?   Other useful resources: How to keep money from tearing your friendships apart (Vox) Is the wealth gap ruining friendships? (Guardian) The transfer of wealth from boomers to ‘zennials' will reshape the global economy (Financial Times) A third of people are owed money by friends and family (Starling) Nearly 50% of millennials overspend to keep up with friends (Credit Karma) Why the “f*ck it” mentality is harming friendships (Refinery29) Splitwise     Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Millennial Money UK (@MillMoneyUK) on X, Instagram, Facebook and LinkedIn. Follow Dr. Tara Quinn-Cirillo (@CirilloDr) on X, Instagram, Facebook and LinkedIn.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com    Part three of our personal finance tips is here! In this bonus episode,our expert guests discuss budgeting, what to know before you get started with investing, plus they share a property mistake you may have made too. Get started on your financial spring cleaning and hear helpful tips from: Personal Finance Expert and Founder of Mrs MummyPenny, Lynn Beattie; Financial Journalist and Senior Digital Editor at MoneyWeek, Kalpana Fitzpatrick; Founder and CEO of Propelle; Ayesha Ofori, Independent Non-Executive Director for PensionBee; Lara Oyesanya FRSA; CMO at PensionBee, Jasper Martens; and CMO at  LifeSearch; Justin Harper.   Episode Breakdown:  00:45 Monthly subscriptions 01:20 Saving little and often 02:13 Saving for your kids 02:49 Getting started with investing 03:50 Investing in property 04:56 The benefits of life insurance.   Read the transcript.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. You might be surprised to learn that living to 100 years of age is no longer a rare feat. The Office for National Statistics (ONS) revealed that almost one-in-seven boys and one-in-five girls born today are expected to reach this milestone in the UK. The trend is clear: with advancements in technology and healthcare, a centenarian life is becoming the norm. But what does this mean for our everyday lives, especially in terms of work, planning, and even our mindset? This month on The Pension Confident Podcast we're discussing the increasing likelihood of the 100-year life. Join our host, Philippa Lamb, and our expert panel as they discuss both the emotional and financial realities of longer living: Economist and best-selling Co-Author of ‘The 100-Year Life', Andrew J. Scott; Editorial Director at Noon, Jennifer Howze; and Director (VP) Public Affairs at PensionBee, Becky O'Connor.   Episode Breakdown:  02:20 Rising life expectancy 04:31 Adapting to a multi-stage life 06:03 The emerging adulthood trend 07:59 Saving for retirement 10:01 Portfolio careers in midlife 13:46 Multi-generational households 15:03 How long will people be working for? 18:05 Budgeting your time and money 19:10 State Pension versus Retirement Living Standards 23:29 Investing in your human capital   Further reading: To learn more about the 100-year life, check out these articles from PensionBee: Episode 26 transcript Are you ready for your 100-year life? Can you live off of the State Pension? How much money is enough to save in your pension for your future retirement? How you could build a million pound pension Is it too late to start a pension? 6 reasons why you should delay taking your pension   Other useful resources: British workers increasingly likely to work into their 70s, research suggests (The Guardian) One in six over-55s have no pension savings yet (Unbiased) Queenagers: research portrait of midlife women (Noon) The 100-Year Life – Living and Working in an Age of Longevity     Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Andrew J. Scott (@ProfAndrewScott) on X and LinkedIn.  Follow Jennifer Howze (@jhowze) on X and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode of The Pension Confident Podcast, we dive into the world of Socially Responsible Investing (SRI). We explore how your retirement savings can be a powerful tool for good. Plus, we'll tackle the big question: can you make money and make a difference to people and the planet?    From impact investing to ESG ratings, find out how socially responsible investments are defined and how you can get involved. In this episode, we hear from: Chief Engagement Officer at PensionBee, Clare Reilly; Co-Founder of Islamic Finance Guru, Ibrahim Khan; VP Product at PensionBee, Martin Parzonka; and Campaign Director for Make My Money Matter, David Hayman.   Episode Breakdown:  01:36 ESG ratings 03:02 Impact investing 04:18 Shariah-compliant investing 06:26 Profits and principles 08:50 Where's your pension invested? 12:11 How to invest for change. Read the episode transcript.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.     While many organisations may talk about equality, research tells us that women are far less likely to secure a pay rise than men - even when they ask for one! Nearly one in every three men who ask for more pay get it, but only one in every five women are successful. This month on The Pension Confident Podcast, inspired by International Women's Day, we're discussing how to earn more money. Join our host, Philippa Lamb, and our expert panel as they discuss how to bridge the gap between your potential and your paycheque: Social Entrepreneur and Broadcaster, Natalie Campbell MBE; CEO and Co-Founder of The Know, Lynn Anderson Clark; and Senior Customer Experience Researcher at PensionBee, Priyal Kanabar.     Episode Breakdown:  01:52 Pay gaps in the workplace 04:27 Early stage careers 07:52 The mentorship relationship 11:10 Job application behaviour 13:17 Job interview tips 16:12 Negotiating for higher pay 18:55 Benchmarking your salary 24:10 Later life careers     Further reading: To learn more about navigating pay negotiations and improving your financial prospects, check out these articles from PensionBee: Episode 25 transcript How can we improve financial health amongst women? Can financial education platforms help close the gender financial literacy gap? How women can boost their pension savings Six ways to start talking about money How to check your State Pension forecast 10 money making ideas for stay-at-home mums How to catch up on pension payments   Other useful resources: Find and compare gender pay gap data (GOV.UK) Explore salaries at the world's most innovative companies (Otta) The Carer's Pension Gap (PensionBee) Queenagers: research portrait of midlife women (Noon)     Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Natalie Campbell (@NatDCampbell) on X, Instagram, TikTok and LinkedIn.  Follow The Know (@theknowmedia) on X, Instagram, TikTok, Facebook and LinkedIn.

Enjoying our award-winning podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. podcast@pensionbee.com    On this special bonus episode of The Pension Confident Podcast, we look at different relationships and the impact they can have on your finances. Whether you live with a friend, are married or going through a separation, these tips are for you. From property and prenups to credit scores, find out what they all mean for your current relationship status. In this episode, we hear from: This Girl Talks Money Founder, Ellie Austin-Williams; Director (VP) Public Relations at PensionBee, Becky O'Connor; Barrister, Mediator and Family Arbitrator, and a Spokesperson for free legal assistance charity, Advocate, Paul Infield; Personal Finance Expert and Founder of Mrs MummyPenny, Lynn Beattie; Founder of financial literacy platform All Things Money, Ola Majekodunmi; CMO at PensionBee, Jasper Martens; Financial Times Consumer Editor, Claer Barrett; and Head of Communications at the Financial Services Compensation Scheme (FSCS), Emma Barrow.   Episode Breakdown: 00:58 Moving in with someone who owns a property 03:05 Pensions and divorce 05:29 Prenups and postnups 07:05 Why it's important to talk about money 07:58 Pension beneficiaries 09:03 Credit scores and relationships. Read the episode transcript.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   January is a time when many of us will naturally be thinking about various hopes and intentions for the year ahead. But what if your ambition is to launch your own business?  Starting a side hustle during a cost-of-living crisis isn't for the faint of heart. After all, in the UK one in five new businesses fold in their first year, and over half of start-ups don't make it past five years. But that doesn't mean it's impossible. Join our host, Philippa Lamb, and three fearless entrepreneurs as they discuss real-world tactics for bootstrapping your dream business: Founder and CEO of Vestpod, Emilie Bellet; Founder and CEO of Sprive, Jinesh Vohra; and CCO at PensionBee, but also Founder of childrenswear business Little Circle, Lisa Picardo.   Episode Breakdown:  01:50 The idea and first steps 09:08 Networking with the competition 11:48 Business planning 15:26 The pros and cons of co-founders 18:04 Managing your money effectively 22:04 Sole trader versus limited company 24:54 Common mistakes and expert advice   Further reading: To learn more about starting your own company, check out these articles from PensionBee: Episode 24 transcript The pros and cons of self-employment What you should know about being your own boss Are the self-employed saving enough for retirement? How to manage your money when you're self-employed Pension contributions from your limited company Six ways to reduce your tax bill as a limited company Sole trader vs limited company: how do the tax savings stack up?   Other useful resources:  Set up a business (GOV.UK) Online graphic design tool for businesses (Canva) Find the best accountant for your small business (Unbiased) Startup School for Seniors The Business Model Canvas (Strategyzer)     Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Sprive (@SpriveApp) on X, Instagram, TikTok, Facebook and LinkedIn.  Follow Vestpod (@Vestpod) on X, Instagram, TikTok, Facebook and LinkedIn.

Enjoying our award-winning podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.  Happy New Year from all of us at The Pension Confident Podcast, we hope you had a great break! We're back for our third series where we'll be discussing even more personal finance questions plus, we'll be sharing lots of bonus content throughout the year too. The next episode will be live at the end of January and it's all about starting your own business. Later on in the year we'll be looking at the monetary cost of friendship and how you can financially prepare to live to 100. Don't forget to subscribe to your favourite podcast app so you never miss an episode. Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.

We're thrilled to announce that the series has won two Lovie Awards! We were recognised in both the ‘Best Series' and ‘Best Branded Podcast or Segment' categories. A big thank you to everyone who voted for us! If you didn't get the chance to vote, why not tell us what you think by giving us a review and a rating? As always, you can send your suggestions and feedback to: podcast@pensionbee.com.    With Christmas around the corner it can be easy to go overboard. Before you know it, you may have spent a little too much and live to regret it come January. We've all been there, and we all make other financial mistakes. Sometimes they're small, like lending a friend a tenner, knowing you're unlikely to see it again. However, sometimes they can have a much bigger impact. It could be that you've bought a property that doesn't fit the bill, or perhaps you've let your debts spiral out of control?  Even the money experts make mistakes and to talk us through theirs, and what we can all learn from our financial failures are:  Personal Finance Expert and Founder of Mrs MummyPenny; Lynn Beattie, Founder of financial literacy platform, All Things Money; Ola Majekodunmi, and CMO at PensionBee; Jasper Martens.    Episode Breakdown:  01:41 Team PensionBee's financial mistakes  02:46 Shopping mistakes 08:44 Black Friday and other ‘sales' 11:45 Not paying attention to your finances 12:22 Recurring payments and monthly subscriptions 15:18 Switching bank accounts 18:18 Pension apathy 24:24 Property mistakes 26:52 The effect of relationships on financial decisions.   Further reading: To help you avoid making some of the financial mistakes we talk about in this episode, check out these articles from PensionBee: Episode 23 transcript Common money mistakes and how to avoid them How to check your pension contributions How to save for retirement when ‘future you' feels like a stranger Rethinking your pension savings during the cost of living crisis Avoid these pension mistakes in your 40s Six ways to start talking about money Five steps to plotting your personal finance roadmap   Other useful resources:  Camelcamelcamel price tracker Idealo price comparison website Current account switch guarantee Switching mobile phone provider (Ofcom)     Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Ola (@allthingsmoney_) on X, Instagram, TikTok, Facebook and LinkedIn. Follow Lynn (@mrsmummypennyuk) on X, Instagram, TikTok, Facebook and LinkedIn.

We're thrilled to announce that the series has won two Lovie Awards! We were recognised in both the ‘Best Series' and ‘Best Branded Podcast or Segment' categories. A big thank you to everyone who voted for us!  If you didn't get the chance to vote, why not tell us what you think by giving us a review and a rating? As always, you can send your suggestions and feedback to: podcast@pensionbee.com    On this special bonus episode of The Pension Confident Podcast, we've rounded up some of the best pension tips our guests have shared so far. From choosing the best time to withdraw from your pension to making the most of tax relief, hear important pension topics discussed by experts including:  PensionBee's CEO; Romi Savova; Financial Times Consumer Editor; Claer Barrett; PensionBee's Chief Engagement Officer; Clare Reilly; Money to the Masses Founder; Damien Fahy, PensionBee's Head of Product; Martin Parzonka; Pensions and Lifetime Savings Association Head of Media Relations; Mark Smith; PensionBee's VP Brand and Communications; Rachael Oku; This Girl Talks Money Founder; Ellie Austin-Williams; and PensionBee's Director (VP) Public Relations; Becky O'Connor.    Episode Breakdown: 00:42 Getting started with your pension 01:51 Parental leave and pensions 02:52 Pension beneficiaries and tax 03:22 Your pension and the cost of living crisis 03:49 Taking your pension 04:36 Moving your pension pots 05:23 Pensions vs. ISAs.  Read the episode transcript.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. 

We're thrilled to announce that the series has won two Lovie Awards! We were recognised in both the ‘Best Series' and ‘Best Branded Podcast or Segment' categories. A big thank you to everyone who voted for us!  If you didn't get the chance to vote, why not tell us what you think by giving us a review and a rating? As always, you can send your suggestions and feedback to: podcast@pensionbee.com    Renting has been a hot topic of debate throughout the cost of living crisis - and with good reason. The cost of privately renting a home has risen every month since November 2021, with the average price now 12% higher than this time last year. In this episode we take a look at the reasons behind this, what your rights are as a tenant or a landlord, and what needs to change to improve the housing market for everybody. Helping us to do so with their expertise are:  Policy Officer for Shelter; Jenny Lamb; Deputy Editor for Property at The Times ; David Byers, and Director (VP) Public Affairs for PensionBee; Becky O'Connor.   Episode Breakdown*:  02:49 Recent national rental increases 03:35 How much are we spending on rent? 04:18 Housing supply and demand 06:05 Evictions and homelessness* 10:01 The impact on our other finances 11:18 The impact on older renters 13:24 Property as an alternative to a pension 15:54 Your rights as a tenant or landlord 18:36 Where to go if you're struggling to pay 21:42 The Renters (Reform) Bill 24:50 Affordable housing. * We talk about Section 21 notices in this episode, but wanted to give you a clear explanation of what they are. A Section 21 notice can be used if a landlord wants their tenant to leave a property that they own. A landlord can only serve you this notice if your fixed-term tenancy has come to an end or if you're in a periodic tenancy, but they don't need a reason to make you leave. A landlord must give you at least two months' notice to vacate the property. At the end of that period, if you haven't left the property, the landlord can start the formal court process to formally evict you. This usually takes a number of weeks and could result in a court order that forces you to leave the property. You can see all the rules around Section 21 notices on gov.uk. If you've been served a Section 21 notice, you can see what your rights are on the Citizens Advice website.   Further reading: For more information on the key issues surrounding the home rental market, check out these resources. Episode 22 transcript Why has renting got so expensive?  Renters (Reform) bill (UK Parliament) Emergency grants, loans and money help (Shelter) Discretionary Housing Payments (Gov.uk) Council Tax Reduction (Gov.uk) Benefits calculator (Turn2us) Grants search (Turn2us) Housing issues (Citizens Advice) First-tier tribunal (Gov.uk).   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow @sheltercharity on X (@Shelter), Instagram, TikTok, Facebook and LinkedIn. Follow Jenny on LinkedIn. Follow David on X and LinkedIn.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com    On this special bonus episode of The Pension Confident Podcast, we're revisiting the popular debate: should you pay more into your mortgage or your pension? Hear from our former Host Peter Komolafe, CEO and Founder of The Humble Penny; Ken Okoroafor, former CMO at HABITO; Abba Newbery and VP Brand and Communications at PensionBee; Rachael Oku as they discuss the pros and cons of investing in property and pensions. Read the episode transcript here.   Episode Breakdown:  01:21 Using your property to fund your retirement  02:46 How long will your pension pot need to last you 05:10 Paying off your mortgage early 07:12 The benefits of pension contributions 09:08 Investing in property   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Threads, Facebook and LinkedIn.

Enjoying the podcast?! Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com    Did you know that as well as a gender pay gap and a gender pension gap, there's also a gender investment gap? According to investment website; Boring Money, in the UK there's nearly £600 billion more in men's investment accounts than women's! Only a third of UK women say they feel confident dealing with their finances. But, is a lack of confidence the reason why only 48% of women invest in the stock market compared to 66% of men, or are other factors at play? To help us explore why women are less likely to invest are this month's expert guests:  Founder and CEO of Propelle; Ayesha Ofori, Co-Founder of Female Invest; Anna-Sophie Hartvigsen, and Independent Non-Executive Director for PensionBee; Lara Oyesanya FRSA.   Episode Breakdown:  02:00 Why's it important for women to invest? 03:15 Brief history of financial gender inequality 04:51 Saving vs investing 06:58 Why women are less likely to invest than men  08:46 Are women less likely to take risks?   14:24 Financial education for women  17:26 Pensions are investments  19:34 Who can invest? 22:03 Our guests first investments 26:07 Long-term thinking.    * We mention Boring Money's research shows a £600 billion gender investment gap worldwide - this figure actually only covers the UK!  The figures mentioned for the potential returns of savings vs investments were calculated using Santander's savings and investments calculator. The results were based on taking medium risk and the ‘realistic' expectation of growth. However, returns can be higher or lower. These are just examples and aren't guaranteed.    Further reading: For more information on the key issues affecting women and their finances, check out these resources from PensionBee. Episode 21 transcript Why aren't women investing?  Why closing the gender investing gap matters for impact investing Can financial education platforms help close the gender financial literacy gap? How important is financial independence? How can we improve financial health amongst women? Building your financial resilience Episode 3: How do we tackle the gender pension gap?   Other useful resources: Propelle Female Invest The history of women and money (GoHenry) Equal Pay Act 1970 (Gov.uk) Girls get less pocket money than boys (Netmums) Girls just wanna have funds (Female Invest book) Savings and investments calculator (Santander)     Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Ayesha on Instagram and LinkedIn. Follow Anna (@hartvigsen_anna) on X, Instagram and LinkedIn. Follow Lara on LinkedIn.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com    Sit back and enjoy part two of our roundup featuring some of the best personal finance tips from expert guests of The Pension Confident Podcast. Whether you're saving to raise a family, or looking to buy a house, have a listen to hear helpful ideas from the likes of: Founder of Vestpod; Emilie Bellet, Host of The Conversation of Money Podcast; Peter Komolafe, Financial Times Consumer Editor; Clear Barrett, Founder of This Girl Talks Money; Ellie Austin-Williams, Barrister and Spokesperson for legal assistance charity, Advocate; Paul Infield, Co-Founder and CCO of Snoop; Scott Mowbray, and  PensionBee's Head of Content; Brooke Day.   Episode Breakdown:  00:36 Preparing your finances for kids 01:22 Turning your pension contributions on and off  01:53 Budgeting when you're self-employed 02:34 ISAs and tax 03:04 Buying a house with someone else 04:19 Financial personality and financial independence 05:05 Monthly budgets 05:30 Risks when withdrawing a Lifetime ISA.   Read the episode transcript here.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com    As we all know, there are only two certainties in life - death and taxes - and going through the admin when someone dies can be a slow and expensive process. That's why it's a good idea to think about where you'd like your own money and personal belongings to go in advance to avoid making it complicated for those you leave behind.   In this episode, we discuss all the useful things you can do to make sure you've got your own affairs in order - from wills and to life insurance, to pension beneficiaries. We also talk about what's important to address when you're dealing with somebody else's estate.   Helping us to do this are our three expert guests: Solicitor for Frank Brazell & Partners and Free Wills Month; Simon Levy, CMO at  LifeSearch; Justin Harper, and PensionBee's Head of Second Line Compliance; Jaypee Soule.   Episode Breakdown:  03:16 Executors and beneficiaries 03:51 Keeping things organised for your loved ones 08:25 Lasting powers of attorney 09:54 Letters of wishes 11:21 Prepayment funerals 12:36 Life insurance  13:21 Inheritance tax 15:29 Pension beneficiaries  18:25 Writing a will 22:06 What are the rules of intestacy? 27:18 First steps when a loved one passes away 28:06 Tell Us Once service 29:37 What's probate? *We talk about what happens to your pension after death in this episode. We want to be clear that we're referring to defined contribution pensions. Here are a few more things to know: If the deceased is under 75 years old, and the pension proceeds are paid within two years of the provider knowing of the customer's death, then their beneficiaries can get the money tax-free. From 2026, if the deceased is under 75 years old, tax may be charged to the beneficiaries if the deceased has reached their lifetime allowance. Find out what  the current pension lifetime allowance is. If the deceased is aged 75 or above, the pension proceeds are taxable at the marginal rate of the beneficiary's income tax. *We want to be clear that your pension isn't legally considered part of your estate, so isn't covered by your will. However, mentioning your pension in your will may help to eliminate any doubt over your wishes, though it's recommended that you still contact your pension provider to add your beneficiaries to your policy.   Further reading: For more help dealing with the admin when someone passes away, check out these resources from PensionBee. Episode 20 transcript Pension death benefits  Pension rules after death Pension beneficiaries What happens to your pension when you die? Your guide to writing your will How your pension can save you inheritance tax. Other useful resources:  LifeSearch Free Wills Month Cheap and free wills (Money Saving Expert) Tell Us Once (GOV.UK) The LifeBook (Age UK) The Last Word report 8 Best Password Managers (Forbes) Learn more about intestacy - the process that occurs when someone dies without a will.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow @LifeSearch on X, Instagram, Facebook and LinkedIn.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com    On this special bonus episode of The Pension Confident Podcast, we've rounded up some of the best personal finance tips our guests have shared so far. From the power of compound interest to understanding credit ratings and ISAs. On this episode we'll hear a range of important financial topics discussed by experts including:   Founder of Money to the Masses; Damien Fahy Founder of The Humble Penny and Financial Joy Academy; Ken Okoroafor Founder of The Money Whisperer; Emma Maslin Founder of Mrs MummyPenny; Lynn Beattie. Founder of Mr MoneyJar; Timi Merriman-Johnson Personal Finance Expert and Blogger at This Girl Talks Money; Ellie Austin-Williams CEO and Co-Founder of Bloom Money; Nina Mohanty Consumer Editor at the Financial Times, Author and Host of the Money Clinic Podcast; Claer Barrett Financial Expert,  Author and Host of The Conversation of Money Podcast; Peter Komolafe. Read the episode transcript here.    Episode Breakdown:  00:44 Tax relief on pension contributions 01:17 Making pension contributions as a limited company 01:51 Compound interest 03:09 Automating your savings 03:51 Saving money when you're single 04:48 Credit ratings 05:54 Stocks & Shares ISAs 06:43 Understanding different types of ISAs   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com   On this special bonus episode of The Pension Confident Podcast, we're turning the mic around on our Host; Philippa Lamb, to hear her favourite moments from the podcast so far.  We've had some brilliant guests - from CEOs to campaigners, barristers to financial influencers, along with some of our favourite in-house PensionBee experts. On this episode we'll hear a range of important financial topics discussed from the likes of:   CCO of the Financial Services Compensation Scheme (FSCS); Lila Pleban Founder of The Money Whisperer; Emma Maslin CEO of Bloom Money; Nina Mohanty Head of Communications at the FSCS; Emma Barrow Co-Founder of Islamic Finance Guru; Ibrahim Khan Barrister, Mediator, Family Arbitrator, and Spokesperson for Advocate; Paul Infield Personal Finance Expert and Blogger at This Girl Talks Money; Ellie Austin-Williams Read the episode transcript here.   Episode Breakdown:  02:02 Credit card debt and money worries 04:51 Reducing the gender pension gap for our children  06:52 Credit scores and credit invisibility 10:10 Shariah investing 14:25 The financial risk of ‘Common law marriage'    Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback.   Send us an email: podcast@pensionbee.com    We're taking a short break from our usual schedule in August, but don't worry - we've got some bonus content incoming while you wait for our next episode!    We'll be back in September discussing how to deal with financial admin when a loved one dies, and how you can prepare your own finances to make it simple for those you leave behind.    Plus, look out for episodes later this year on building your financial confidence, starting your journey in self-employment, and how to recover from financial failures.    Don't forget to subscribe on your podcast app to get these episodes, and more, as soon as they're released.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.  

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com    Having children can be one of the most wonderful and rewarding things you'll ever do, and it's impossible to put a price on all the joy that kids can bring you. However, there's no denying the impact that bringing up a family can have on your finances. Having a child can be a huge financial commitment. According to The Times, it'll take an average of nearly £203,000 to raise a child from birth to the age of 18. And it won't necessarily stop there, you might find yourself spending on your kids from before they're born until well into their adult lives. Add to that, the effects on your income that taking parental leave may bring - you might not know where to begin!  To talk through all the costs involved with having children and whether raising a family's currently affordable are our guests: CEO of Mumsnet; Justine Roberts CBE Financial Journalist and Senior Digital Editor at MoneyWeek; Kalpana Fitzpatrick PensionBee's CTO; Jonathan Lister Parsons.   Episode Breakdown:  02:12 Can you predict how much a baby will cost?  07:48 Statutory Maternity Pay 09:42 The problem with parental leave  11:56 Statutory Adoption Pay and Leave  12:46 The cost of childcare 14:58 Tax-Free Childcare Allowance 15:37 Child Benefit 20:37 Costs as your kids grow up 24:38 Paying for higher education. *We mention maternity pay in this episode and just wanted to be absolutely clear with the figures: Statutory Maternity Pay's paid up to 39 weeks You get 90% of your average weekly earnings for the first six weeks You get the lower of £172.48 or 90% of your average weekly earnings for the following 33 weeks.  *We also accidentally overstated the amount of Shared Parental Leave that you may be entitled to. We said you'd get a year, but it's actually up to 50 weeks of leave between parents.  *We state that the UK has the highest childcare costs in the Organisation for Economic Co-operation and Development (OECD). Though this has been true as recently as 2022, the UK currently ranks third. However, this number's ever changing.    Further reading: For more help getting financially prepared for raising a family, check out these resources from PensionBee. Episode 19 transcript Can you afford to have a baby? Pensionbee's research on fair sharing of childcare PensionBee Parental Leave Policy What I learned about mothers and their pensions from answering Mumsnet questions How to financially plan for a baby How stay at home mums can build a decent pension What happens to your pension during maternity leave? Finances for freelancers on maternity leave How can I get my pension back on track after taking time off to have children? Why parents need to make a Child Benefit claim to protect their State Pension Other useful resources:  Mumsnet Statutory Maternity Pay and Leave (Gov.uk) Statutory Paternity Pay and Leave (Gov.uk) Statutory Adoption Pay and Leave (Gov.uk) Disability Living Allowance for children (Gov.uk) Tax-Free Childcare (Gov.uk) Child Benefit (Gov.uk) Boosting paternity leave has economic benefits (Pregnant Then Screwed) Average childcare costs (MoneyHelper) Transparency on parental pay (ABI)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow @Mumsnet on X, Instagram, Facebook, TikTok and LinkedIn Follow @KalpanaFitzpatrick on LinkedIn, X, Instagram and TikTok

  Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com    We've spoken in much depth about preparing for retirement on The Pension Confident Podcast, but we'll all eventually get to a stage where we find it's time to start taking that money out of our pension pots, rather than putting in.    After decades of working and saving into your pension, you'll be looking forward to the day when it's finally time to retire and you can start spending your pension cash. But, you might not be sure what the smartest way to withdraw your money is. Furthermore, you might be fearful of it running out.   To take us through all the withdrawal options and discuss how we can make our money last in retirement are our expert guests: Product Director at Legal & General Retail; Mark Jones Financial Journalist and Founder of Much More With Less; Faith Archer PensionBee's Head of Product; Martin Parzonka.   Episode Breakdown:  02:32 Predicting how long you're going to live  05:39 When can you take your pension?  06:38 Annuities 07:36 Pension drawdown 16:45 Making a pension withdrawal plan  19:27 Measuring risk  22:54 Having multiple sources of retirement income 24:25 Resources to aid your pension withdrawal plan.   Further reading:  Think about your pension withdrawal plan with the help of these resources from PensionBee.  Episode 18 transcript Pension drawdown Pension annuity Pension drawdown calculator State Pension age calculator Inflation calculator Drawdown explained (Youtube) How to withdraw money from a pension fund Should I take a lump sum from my pension? Pension decumulation Why have annuity purchases been increasing? What happens in a Pension Wise appointment?   Other useful resources:  Pension Wise Retirement planning course (Legal & General) Life expectancy calculator (ONS) Death clock Investment pathways (FCA) FIRE movement (Investopedia) Senior railcard Older person's bus pass (gov.uk)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Faith @MuchMoreWith Less on X, LinkedIn and Facebook.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com    On this very special edition of The Pension Confident Podcast, we come to you from White City in London with our first recording in front of a live audience! And this time it's all about the battle of the financial titans; pensions vs. ISAs. With the help of polling data from our listeners, we take a look at how many of us are making the most of these financial products and which should take priority at different stages in our lives. Sharing their insights, and giving their tips on maximising the benefits of both your pensions and ISAs are our expert panel: Financial Times Consumer Editor, Author and Host of the Money Clinic; Claer Barrett Founder of the Money To The Masses website and podcast; Damien Fahy Financial Expert,  Author and Host of The Conversation of Money; Peter Komolafe PensionBee's Director (VP) Public Affairs; Becky O'Connor.  * If you'd like to read Claer's book; What They Don't Tell You About Money, and The Money Basics by Peter, both are available for purchase now!     Episode Breakdown:  03:23 How much are people saving into pensions? 06:18 How ISAs work 11:00 When you can take your pension 13:24 Making the most of pensions and ISAs 15:29 Common mistakes people make with ISAs 21:50 Saving when you're self-employed 24:37 Priorities when nearing retirement 28:40 Leaving money for loved ones 31:15 Audience Q&A.   Further reading: Make the most of your savings with the help of these articles from PensionBee. Episode 17 transcript Guide to Lifetime ISAs and pensions Pension pot or cash savings - which is best? Can I cash in my pension? How much income do you need in retirement? How much can I pay into a pension each year? Making pension contributions The UK Pension Landscape When is the best time to take your pension? Your guide to savings funds   Other useful resources:  How ISAs work (gov.uk) Cash ISAs (Money Helper) Stocks and shares ISAs (Money Helper) Junior ISAs (gov.uk) Retirement Living Standards (PLSA) Peter Komolafe: Three ISA mistakes everyone is making (YouTube) Cash Isa rules and allowances (Which)    Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Claer @ClaerB on X, Instagram, TikTok and LinkedIn, Damien @MoneytotheMasses on X, TikTok, Instagram, Facebook, YouTube and LinkedIn and Peter @ConversationOfMoney on X, Instagram, YouTube, LinkedIn and TikTok.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com    Welcome to the latest edition of The Pension Confident Podcast, we hope that listening's one of the many good things that happen to you today! This time we're looking at  impact investing; what it is, why it's important and how it can be used to drive environmental and social change whilst saving for your retirement.   You might already be vegetarian or buying fairtrade products; volunteering or cutting down on flying. But what if you could make your biggest impact simply by looking into where your money's invested?  It's called impact investing, and helping us to understand what it is and how it can drive change are: Campaign Director for Make My Money Matter; David Hayman Partnerships Director at Huddlecraft and Lead for Money Movers; Anneka Deva PensionBee's Chief Engagement Officer; Clare Reilly.   Episode Breakdown:  01:15 What's the goal of impact investing? 05:50 Making an impact on environmental and social issues 08:41 How individuals can make an impact with their money 15:58 What demographics are interested in impact investing?  18:08 The PensionBee Impact Plan 20:12 How much does it cost and what returns will you get?   25:31 What's next for impact investing?   *A small caveat to say we were close with a stat, but not quite correct. The amount of Financial Advisors who are women is actually 17% rather than the 16% stated.    Further reading: You'll find plenty of impactful information on the PensionBee website and YouTube channel. Episode 16 transcript PensionBee's Impact Plan Who are the top 20 companies in the Impact Plan? Impact Plan Company Spotlight - Bank Rakyat What makes the Impact Plan different to the Fossil Fuel Free Plan? How's the Impact Plan different from other plans on the market? What are UN SDGs and why do we have them? Does socially responsible investing make financial sense? An Introduction to the PensionBee Impact Plan   Other useful resources:  Money Movers Make My Money Matter (MMMM) Green my pension (MMMM)  Sustainability labels (FCA) UN Sustainable Development Goals Place Based Impact Investing (The Good Economy)   Come and see us live!   On Thursday 4 May we'll be recording our first ever episode in front of a live studio audience and we'd love for you to join us. We'll be at White City Place in London from 6:30pm to discuss whether your money's better off in a pension or an ISA. You'll also have the chance to get your questions answered by our expert panel:  Founder of Money To The Masses; Damien Fahy Consumer Editor of the Financial Times and presenter of the Money Clinic Podcast; Claer Barrett Financial Expert and Host of The Conversation of Money Podcast; Peter Komolafe Director (VP) Public Affairs at PensionBee; Becky O'Connor. Tickets are absolutely free, so if you'd like to attend - just click here.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow @MakeMyMoneyMatter on X, YouTube, Instagram, TikTok, LinkedIn and Facebook and @WeAreMoneyMovers on Instagram.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email:  podcast@pensionbee.com    A fond welcome to the 15th episode of The Pension Confident Podcast. This time, we're discussing how financial institutions can be more inclusive of those who might be more vulnerable when it comes to their finances. ‘Levelling up' seems to be the buzz phrase of the moment. But what does that actually mean in practice? You may have fallen behind financially due to where you live, or maybe the system or service you're using just simply isn't designed for someone with your set of circumstances. That could be your ethnicity, religion, gender, age or something else entirely. Helping us to ‘level up' and discuss how we achieve financial inclusion are: CEO of Bloom Money; Nina Mohanty Head of Communications at the Financial Services Compensation Scheme (FSCS); Emma Barrow PensionBee's CDO; Matt Loft.   Episode Breakdown:  01:53 When we've felt excluded 04:42 Who's likely to be financially excluded? 06:37 Those who choose not to use financial services 08:37 Accessibility to technology and in-person banking 14:29 Low credit scores 20:08 Low income and insurance  22:01 What the government and industry should do to help   *We thought it would be helpful to highlight our sources for some of the key stats we mentioned in this episode: We say there are about 3 million Muslims living in the UK. According to the latest census, the actual number is 3.87 million.   We say there are around 11,000 Post Offices in the UK. The precise number is 11,635. We talk about plans for 28 new ‘shared banking hubs'. There are actually plans to open 38 more of these. We were 1% off on the difference between the average amount in men's and women's pension pots. Our data shows that men have 39% more in their pots, on average, than women.    Further reading: Need a little extra help to level up? Then check out these articles from PensionBee.  Episode 15 transcript The importance of financial inclusion How PensionBee's supporting vulnerable customers What is pension poverty? Under-pensioned: finding disability support Recovering mental health and recovering finances How can I make my money Shariah-compliant? How can we improve financial health amongst women? How are pensions affected by wealth inequality?   Other useful resources: Responsibility in design: designing products for accessibility, disability and neurodiversity (YouTube) How to check your credit report (Money Helper) FSCS Bloom Money OneBanx Plain English Campaign Plain Numbers Progress Together Levelling Up the United Kingdom (Government white paper)   Come and see us live! On Thursday 4 May we'll be recording our first ever episode in front of a live studio audience and we'd love for you to join us.  We'll be at White City Place in London from 6:30pm to discuss whether your money's better off in a pension or an ISA. You'll also have the chance to get your questions answered by our expert panel:  Founder of Money To The Masses; Damien Fahy Consumer Editor of the Financial Times and presenter of the Money Clinic Podcast; Claer Barrett Financial Expert and Host of The Conversation of Money Podcast; Peter Komolafe Director (VP) Public Affairs at PensionBee; Becky O'Connor. Tickets are absolutely free, so if you'd like to attend - just click  here.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Nina @BloomMoney on Instagram, TikTok LinkedIn and Facebook and @FSCS on Facebook, X, Instagram and LinkedIn.

Come and watch us record a special episode of The Pension Confident Podcast in front of a live studio audience for the very first time!   Date: Thursday 4 May  Venue: The Studio in White City Place Time: From 6:30pm Nearest tube: White City (Central line).    Get your free ticket here   Philippa, along with special guests from the world of personal finance will be discussing whether your money's better off in a pension or in an ISA. Our expert panel will include: Founder of Money to The Masses; Damien Fahy Financial Expert and Host of The Conversation of Money Podcast; Peter Komolafe Consumer Editor at the Financial Times and Host of the  Money Clinic Podcast; Claer Barrett  Director (VP) Public Affairs at PensionBee; Becky O'Connor.    Doors will open at 6:30pm before the podcast recording begins at 7pm. Before the main recording, we'll also have a warm up set from the Founder of Mr MoneyJar; Timi Merriman-Johnson. Tickets are absolutely free and include complimentary food and drink from Dear Grace, London.   Get yours here   Got a burning question about where to invest your money? Send us an email: podcast@pensionbee.com and your question could be read out on the night! We'd love to see you there.   Catch up on the latest news, read our transcripts or watch on YouTube:   The Pension Confident Podcast  The Pension Confident Podcast on YouTube   Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.   Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback.   Send us an email: podcast@pensionbee.com 

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com   It's time to sit back, listen and enjoy another episode of The Pension Confident Podcast. Whether you prefer to do that by yourself, with a partner or maybe even your children is up to you, because this month we talk all about how those relationships can affect your finances. No matter what your relationship status is, each one brings its own financial questions and challenges. Right now, you might be happy just concentrating on yourself. Perhaps you're cohabiting, or living with a friend or a sibling. You might be married or in a civil partnership. Or maybe you're separated, divorced, or widowed. From ‘singles tax', to prenups and wills - taking you through what you might need to think about as you experience these different relationships are: Personal Finance Expert and Blogger at This Girl Talks Money; Ellie Austin-Williams. Barrister, Mediator and Family Arbitrator, and a Spokesperson for free legal assistance charity, Advocate; Paul Infield. PensionBee's Director (VP) Public Affairs; Becky O'Connor.    Episode Breakdown:  03:55 Leaving home  07:02 The ‘singles tax' 10:16 Financial tips for single people 14:15 Cohabitation and the ‘common law' marriage 20:42 Prenuptial agreements 22:16 Keeping your financial independence 24:55 Pension Sharing Orders 27:12 What to do when a partner dies   * Just a note to correct some numbers we state on this episode. We say that there are eight million single people living in the UK, when in fact there are actually 28 million. We also say that the Marriage Act was in 1751, but we were a little early and it was actually released in 1753.  Further reading: Want to make sure you've got all bases covered, no matter what your relationship? Then take a look at these articles from PensionBee.  Episode 14 transcript How to tackle your personal finances when you're single. The best gift a husband can give to his partner is pension contributions. What is the average pension income for a couple? Your guide to Lifetime ISAs and pensions. How does divorce or remarrying affect your pension? How long after divorce can you claim a pension?   Other useful resources: Milestones: journeying into adulthood (ONS) Divorces in England and Wales: 2021 (ONS) Singles Tax (This Girl Talks Money) Child Benefit (GOV.UK) Bereavement Support Payment (Age UK) Bereavement useful contacts (Mind)   Come and see us live! On Thursday 4th May we'll be recording our first ever episode in front of a live studio audience and we'd love for you to join us.  Our host Philippa Lamb will be joined by special guests at White City Place in London from 6:30 pm to talk about whether your money's better off in a pension or an ISA. You'll also have the chance to get your questions answered by our expert panel. Tickets are absolutely FREE, so if you'd like to attend - just click here.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Ellie @ThisGirlTalksMoney on X, Instagram, TikTok and LinkedIn and Paul on LinkedIn.